Every day five people are killed on our roads. How can we stop this? Make it much more difficult to get a driving licence, make everyone take further driving tests, hugely increase the cost of insurance, tax or petrol? Make the submission of risk assessments for long journeys compulsory?
Whatever you do, many will still drive without tax or insurance, too fast and without due care and attention; and many who need a car won’t be able to afford to stay on the road. And it won’t happen.
Some people are being poorly or fraudulently advised to transfer their pensions. What can the regulator do? Tell advisers they must take more exams, charge upfront or by the hour, rather than taking fees from the pension and insist they write additional reports for clients.
Whatever you do, there will still be duff advice and duff advisers around; and many who would benefit from good advice won’t get or be able to afford it. And it will happen, even though nobody’s died.
